522 S 3rd St, Odessa, MO 64076 Property Records

Lafayette County property record for 522 S 3rd St, Odessa, MO 64076

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,222 sqft · built 1900
Lot Size	0.593 acres (25,831 sqft)
Owner	Individual Name on Record
Last Sale	$213,216 (Nov 2025)
Tax Bill	$1,492 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2025 Second Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`23-1.0-01-3-001-022.000`

Property Details

APN / Parcel Number

Primary APN	`23-1.0-01-3-001-022.000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,222 sqft Living Area
Basement Area	432 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	25,831 sqft (0.593 acres)
Lot Dimensions	205 ft deep x 126 ft wide
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	260 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	522 S 3RD ST
City	ODESSA
State	MO
Zip	64076-1416
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 13 & 14 BLK 3 RAMSEYS ADDN; 653-970, 743-414, 842-389, 886-876, 2012DR967, 2012DR0968, 2012DR1998, 2017DR0933, 2023DR178
Legal Range	28
Legal Township	48
Legal Section	01
Legal Subdivision	RAMSEYS ADDN
Legal Block	3
Legal Lot Number	13-14
Jurisdiction	LAFAYETTE MO
Township / Civil Division	SNI-A-BAR
Census Block Group	4
Census Block	4025
Census Tract	90601

Owner

Source: Lafayette County records, as of May 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	522 S 3RD ST, ODESSA, MO 64076-1416
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2025	Deed of Trust, Mortgage BANK OF ODESSA
Nov 26, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSOURI HOUSING DEVELOPMENT COMMISSION
Nov 26, 2025	Deed of Trust, Mortgage · FHA Mortgage LEADERONE FINANCIAL CORP
Nov 26, 2025	Warranty Deed, Transfer · FHA Mortgage LEADERONE FINANCIAL CORP
May 10, 2023	Quit Claim Deed, Transfer Quitclaim
Mar 16, 2017	Warranty Deed, Transfer BANK OF ODESSA
Mar 16, 2017	Warranty Deed, Transfer BANK OF ODESSA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2025 · Amount on Record
Deed Sale	Nov 26, 2025 · Amount on Record
Prior Sale	Mar 16, 2017 · Amount on Record
Deed Document Number	20254699
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Property Address	522 S 3RD ST, ODESSA, MO 64076-1416
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025DR3912
Date	Oct 7, 2025
Instrument	2025DR3912

Lender

Name	BANK OF ODESSA
Type	Bank

Agreement

Amount	Amount Recorded

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Property Address	522 S 3RD ST, ODESSA, MO 64076-1416
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025DR4718
Date	Nov 26, 2025
Instrument	2025DR4718

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LAFAYETTE MO
Property Address	522 S 3RD ST, ODESSA, MO 64076-1416
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2025DR4717
Date	Nov 26, 2025
Instrument	2025DR4717

Lender

Name	LEADERONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MO
Recording Date	Nov 26, 2025
Property Address	522 S 3RD ST, ODESSA, MO 64076-1416
Document Number	2025DR4699
Instrument Date	Nov 24, 2025
Instrument	2025DR4699
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 S 3RD ST, ODESSA, MO 64076-1416

Mortgage

Document Number	2025DR4717
Date	Nov 26, 2025
Instrument	2025DR4717

Lender

Name	LEADERONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LAFAYETTE MO
Recording Date	May 10, 2023
Property Address	522 S 3RD ST, ODESSA, MO 64076-1416
Document Number	2023DR1780
Map Reference	MB 4 PG 9
Instrument Date	May 8, 2023
Instrument	2023DR1780
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 S 3RD ST, ODESSA, MO 64076-1416

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MO
Recording Date	Mar 16, 2017
Property Address	522 S 3RD ST, ODESSA, MO 64076-1416
Document Number	2017/0933
Book / Page	2017 / 0933
Map Reference	PL 4 PG 9
Instrument Date	Mar 15, 2017
Instrument	2017DR0933
Transaction Type	Transfer
Record Updated	Oct 26, 2021
Title Company	LAFAYETTE COUNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 S 3RD ST, ODESSA, MO 64076-1416

Mortgage

Document Number	2017/0934
Date	Mar 16, 2017
Book Page	2017/0934
Instrument	2017DR0934

Lender

Name	BANK OF ODESSA
Type	Bank
Address	ODESSA, MO 64076

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Mar 15, 2020

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LAFAYETTE MO
Recording Date	Mar 16, 2017
Property Address	522 S 3RD ST, ODESSA, MO 64076-1416
Document Number	02017/0933
Book / Page	2017 / 0933
Map Reference	PL 4 PG 9
Instrument Date	Mar 15, 2017
Instrument	2017DR0933
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	LAFAYETTE COUNTY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 S 3RD ST, ODESSA, MO 64076-1416
Investor	Possibly a Property Investor

Mortgage

Document Number	02017/0934
Date	Mar 16, 2017
Book Page	2017/0934
Instrument	2017DR0934

Lender

Name	BANK OF ODESSA
Type	Bank
Address	ODESSA, MO 64076

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Mar 15, 2020

Tax Assessment & Valuation

Source: Lafayette County assessment roll, as of October 28, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Lafayette County
Municipality	Odessa City
Unified School District	Odessa R-VII School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,492.00	$20,151 (+13.89%)	$106,060 (+13.89%) Land $37,060 Building $69,000
2023		$17,693	$93,121 Land $31,511 Building $61,610

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 26, 2010

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ODESSA PWS serves 5,202 people · EPA ID MO1010599
Water Source	Groundwater
Last State Inspection	Dec 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Socket Telecom Fiber	2,500 / 2,500
Brightspeed Fiber	2,000 / 2,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum, Wisper ISP.

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